Why did my check get declined at walmart

We are sorry that your check could not be authorized, based in whole or in part, on information provided by Certegy Payment Solutions, LLC ("Certegy"), and/or Certegy's need for additional information.

You have a right under the Fair Credit Reporting Act to know the information contained in your file at Certegy. You may request your free report by phone or in writing.

To Request by Phone: 1-800-237-3826

To Request in Writing:

If you prefer, you may mail your request to us rather than using the automated telephone system. If you write to request, you will need to include your name, address, driver's license number, bank routing and account number and Social Security Number. Send the request for your file disclosure to:

Certegy Payment Solutions, LLC
P.O. Box 908
Grand Junction, CO 81502

To protect your privacy, the merchant receives no personal information when Certegy does not authorize acceptance of a check.

If you’re still having trouble after confirming your card is activated and has available funds, login into the Walmart MoneyCard app and click on Settings, Get Help or click the Get Help chat button at the bottom of the page on WalmartMoneyCard.

My husband went to hammond walmart to cash his payroll check, walmart refused to cash it stating certergy check services would not approve the check being cashed. Certergy gave a reason # 2, a small print out off walmart register, stating

"we cannot cash this check. Our decision was based on information provided by certegy check services, inc. The fair credit reporting act gives you the right to know what is in your check transactions file at certegy. You have the right to a free copy of yor file from certegy if you request it within 60 days. If you find the information in the file is inaccurate, you have the write to dispute it with certergy. You can contact certegy check services at [protected], or p. O. Box 30046, tampa, fl [protected]

Upon calling certegy from the walmart money center (Where you cash payroll checks, etc.) (We called via our cell phones) we had to go through an automated system and then got a human. The guy said he would check certegy's system to see why the check had been declined. Upon doing that we held for a few moments, he returned to the phone to "inform" us that certergy will only cash one payroll check every 7 days, for my husband and it must be cashed the same day at the same time ! My husband was furious with walmart and certegy check services.

In heaven's name i want to know who does this company, certegy, think they are? Who and what government body gives the the right to say when my husband can cash his own payroll check? I have read complaint after complaint on this company. Our united states government needs to step in and do something about this company and make them pay damages for the hurt they are doing to people / the public.

I asked the guy on the phone from certegy, "what if my husband gets paid a day early which his company sometimes does. . . ? " he replied, "well he cannot cash his check at any walmart anywhere until the seventh day, at the same time, because certegy only allows him one payroll check per week. . . This is our company policy. "

I have read complaint after complaint here, on this site and others, about certegy check services, walmart, etc. We need a class action lawsuit against certegy check services. Also, a nationwide news network should report on this stupidity with this company, walmart stores, and whatever other stores and vendors us this certegy crap. There are thousands of good american people each week getting embarassed and harassed (And yes, it is harassment, as they have declined my husbands, check 3 times in 6 weeks) by this scam of a check service company.

Our email is [protected]@yahoo.com

If there are any attorneys that read this site they should be putting together a class action lawsuit as this is iron clad case just waiting for a good lawyer to take it !

If you find yourself in a bind and you need to get cash quick, save yourself the hassle of trying to get to your bank before it closes, standing in a long line at a check cashing store or trying to find an ATM on your way home. While you're doing your shopping in Walmart, cash your check here as well. Not only do you get your cash immediately, you can also save money doing it. Saving you money is what we do best, and our low prices, every day, on everything is just one of the many examples of how we do this. Allowing you to cash your check hassle-free and for a low fee is another.

How to cash your check

We make it simple for you to cash your check while you're at Walmart. All you need to do is present your endorsed check to the cashier at our Money Service Center or Customer Service Desk, along with valid identification, and pay the required fee. There's no need to register to cash checks with us or to have either a Walmart store credit card or Walmart MasterCard. Once you have completed this process, you have your money in a matter of moments.

What kinds of checks we cash

There are a number of different checks that we can cash for you at checkout lines. These include payroll checks, government checks, tax refund checks, cashiers' checks, insurance settlement checks and 401(k) or the retirement account disbursement checks. In fact, as long as it's a pre-printed check, it's likely we can cash it. If you're unsure, please visit our customer service desk to inquire if you have a check that doesn't meet the listed criteria. In addition, we also cash MoneyGram money orders as long as they were originally purchased at Walmart. The only types of checks we cannot cash are personal checks.

Cash limits and the costs to you

As of 2018, we have a check cashing limit of $5,000, although we increase this limit to $7,500 from January to April of each year. Our check cashing fees are $4 for any checks up to $1,000. For checks between $1,001 and $5,000, the fee is $8. Two-Party Personal Checks are limited to $200 and have a max fee of $6. Check with our customer service department to see how much the fee is for checks of more than $5,000 during the January to April time frame. Keep in mind that if you have a Walmart MoneyCard, which is our reloadable prepaid card, you can also have some or all of that money loaded onto your card and the reload fee that we typically charge for the service, which is $3, is waived. However, note that the check cashing fee is still applied.

How to get a Walmart MoneyCard

If you want to cash your check and have some or all of the money placed onto a Walmart MoneyCard for convenient shopping, but don't already have one, you can do so in one of two ways. You can apply for one in-store and, if approved, receive it and use it that day once you have paid the $3 set-up fee. If you prefer, you can also request one online at WalmartMoneyCard.com. After you receive it in the mail, you can hand your card to the cashier to load your cashed check funds onto it and you'll not have to pay the initial $3 set-up fee.

Benefits of the Walmart MoneyCard

The Walmart MoneyCard is a prepaid card that works just like a debit card, and it's loaded with your own money. It comes with either MasterCard or Visa branding and is used for purchases and cash advances. It also gives you other advantages like allowing you to set up direct deposit with your employer and possibly receive the money two days earlier than you'd typically do so from your bank. You can also get rewarded by using the card. This includes getting 3 percent of your purchase price back when you use the card at Walmart.com, 2 percent back when you get gas at either a Walmart-branded gas station or one operated by Murphy USA and 1 percent back when you use the card at a Walmart or Sam's Club location.

Other amenities from using the Walmart MoneyCard are being able to get your tax refund check faster than a paper check through direct deposit from the IRS, and being able to send and receive money easily through MoneyGram and our online bill-paying service. You can also use the MoneyCard to send money to someone else that has either a Walmart MoneyCard, PayPal account or any prepaid debit card issued by the same company that issues the Walmart MoneyCard, which is Green Dot Bank.

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